Slide 1 : Richard MS, MS, MBA, CFP CM Slide 2 / / Slide 3 Slide 4 : Slide 5 : - - Slide 6 : 07/08 1. 2. 60,000 3. [ ( ) x 25%] 4. 12,000 5. 100,000 6. 60,000 Slide 7 : 07/08 1. 100,000 2. 100,000 3. ( ) 50,000 4. ( ) 50,000 5. ( ) 30,000 Slide 8 6. ( ) - 60 60 / / 30,000 - 55 60 15,000 7. / / ( ) - 60 60 / / 30,000 - 55 60 15,000 8. 100,000 9. ( ) 60,000 Slide 9 16% 2007/08 $ $ 35,000 2% 700 35,000 7% 2,450 70,000 3,150 35,000 12% 4,200 105,000 7,350 17% Slide 10 : Slide 11 Slide 12 Slide 13 : Slide 14 100 : (a) (b) : : Slide 15 100 3 : 100 ( 20 ) ( 65 ) : : Slide 16 100 : : Slide 17 (a) (b) (c) (d) (e) : : Slide 18 : : Slide 19 Slide 20 : Slide 21 Slide 22 Slide 23 !!! Slide 24